I had $1000 in damage dome to me car. I filed a claim with proof of who damaged my vehicle including pictures of both our vehicles, both vins and everything they needed to prove that i was at no fault. My claim was denied on the basis that the other person said they didn't do it even though I had hard evidence to the contrary. Several months prior my mothers vehicle was vandalized with $5000 worth of damage. She got a police report and a professional appraisal of the damage. Her claim was also denied. Why are we payin for FULL COVERAGE if they're not going to cover anything?